7 Disincentives for Employees to Return to Work and How You Can Avoid Them

The following is a list of 7 possible ways that an employee can make just as much (or more) money while they are injured than they would make if they were not injured.

1) Double Dipping – Employees may receive funds from both workers’ compensation and disability insurance if their injury is one that puts them out of work for a long period of time.

2) Unemployment – In some states, employees who are receiving workers’ compensation may also qualify for unemployment under certain circumstances. Companies should offer all injured employees a transitional job which they can perform while they are injured. If the employee turns down the transitional job, they will most likely not be granted unemployment status.

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Invest In Your Safety Plan and Workers’ Compensation Programs and Save!

If you purchased $1,000 of shares in Delta Airlines one year ago, you would have $49.00 today. If you purchased $1,000 of shares in Lehman Brothers one year ago, you would have $0.00 today. Tough economic times call for aggressive measures. Invest in your company’s safety program and your injured workers return to work program.

Designing a good safety program can help with the rising costs of workers’ compensation insurance premiums. No business is immune to having injuries, they will happen! That is part of the cost of doing business. Having a safety plan is like ground zero; you need to look at your company as a whole and build from your safety plan. Evaluate the environment, the tools, the hazards, and overall safety of your employees. Prevention is the best way to save!

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Workers Compensation Costs Driven By Inappropriate Claims!

Inappropriate claims are one the biggest driving costs of workers compensation increases. Up to 25 percent of all filings may have some form of fraud. There are many possible causes, including misunderstandings, miscommunication, cost shifting from a non-occupational health care plan, employee resentment, non-efficient service providers, and outright fraud. The National Insurance Crime Bureau estimates that workers’ compensation fraud costs alone are in the billions. So in return, this cost is billed back to the employers in the form of billion dollar premiums.

Workers’ compensation laws are working against the employers. The laws are creating insensible incentives. The longer an injured employee is out of work, the more likely they will ride it out for a cash settlement. Even the small injuries that should only have the worker out for two or three days can be stretched into two or three weeks, or even more! Every workers’ compensation guideline has a waiting period. Typically, it runs about three to seven days before an injured employee becomes entitled to indemnification for lost wages. It can often be done on a retroactive basis to day one of the claim. For many low paid workers the “tax free” wage alternative is an acceptable lifestyle.

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One Employee Incident, Two Worker Compensation Claims?

Do you have any pregnant employees? If so, are you responsible for work related injuries to their unborn child? It is a delicate situation when it comes to injuries involving those in utero. In the late 1980s, there was a case involving a San Francisco Macy’s department store employee who complained to the company nurse of abdominal pain. The pain was misdiagnosed as gas and was later found to be a ruptured uterus. Even after pleas from the expectant mother, the ambulance was not called for 50 minutes and the delay was determined to be a main contributing factor to the severe brain damage and early demise (age 2) of the child.

The mother sued on behalf of her son but lost, because although Macy’s found that it was indeed negligent, the child was not an employee and therefore his surviving family could collect nothing.

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Prevent Injuries with Diet, Weight Management & Exercise

Most companies have injury prevention programs in place that will cover topics such as lifting, proper equipment or attire, but not often do these programs cover eating and exercise, which are important aspects of injury prevention.

We all know about eating healthy to keep out hearts strong and/or to lose weight and feel good. Most of us however, don’t take the time to think of eating as a form of injury prevention. Rock hard abs aren’t just for show. They can also help you to remain injury free.  Having a strong “core” will alleviate stress on the back, reducing back injuries. Engaging your “core” muscles in all of your activities (not just lifting) will help keep you strong and as injury free as possible. Think about flexing your abdominal muscles when you do things as mundane as getting out of your chair. You know you want to try it when you get off of the computer.

Staying at a healthy weight will also keep unwanted stress off of your joints. There is no lack of gravity, so you don’t need to worry about weighing yourself down. Have you ever seen a pick-up truck loaded down with a heavy load and thought “those poor shocks”? Well, it is the same thing for your joints. Any excess weight  that you might be carrying is going to work against you, and eventually break you down. More…

Accident Investigations: An Essential Tool in Every Work Comp Management Program

Performing accident investigations when an employee gets injured is an important step in carrying out your company’s work comp management program. The first reason that comes to many people’s minds for conducting an accident investigation is probably to prevent a fraudulent claim from being filed, but there are many other good reasons for conducting these investigations.

Accident investigations help to identify the root cause of the injury. Was an inadequate workstation to blame? Or, maybe a malfunctioning tool or machine? If it is found that one of these scenarios was the cause of the accident, they can be promptly corrected before another employee suffers a similar fate. Maybe the employee had a pre-existing problem with their injured body part. Or, maybe they were doing something that they weren’t supposed to be doing so there is no equipment that needs to be fixed.

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